A.J. COPE & SON LIMITED
- 46460SIC 46460
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 90). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
9 live charges · 6 lenders · oldest 63.6y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 63.6 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 900 | 1000 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (36 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2023-12-21📄accounts-with-accounts-type-smallaccounts · AA
- 2023-04-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-05📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-04-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-04-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-01📄accounts-with-accounts-type-smallaccounts · AA
- 2023-01-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-30➖WILLIAMS, Jonathan Stephen Thomas resigneddirector
- 2021-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2019-12-20📄accounts-with-accounts-type-smallaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-smallaccounts · AA
- 2018-01-04📄accounts-with-accounts-type-smallaccounts · AA
- 2016-05-28🔓Charge satisfied #5
- 2016-05-28🔓Charge satisfied #4
- 2016-05-28🔓Charge satisfied #3
- 2016-05-28🔓Charge satisfied #2
- 2016-05-01➕ACKEE, Ellen appointeddirector
- 2016-05-01➕COPE, Nigel Henry appointeddirector
- 2016-05-01➕HODGSON, John Robert appointeddirector
- 2016-05-01➕JERVIS, Claire appointeddirector
- 2016-05-01➕WILLIAMS, Jonathan Stephen Thomas appointeddirector
- 2013-04-05🔒Charge registered #9Lender: Hsbc Bank PLC
- 2010-12-23🔒Charge registered #8Lender: Hsbc Bank PLC
- 2002-09-12🔓Charge satisfied #6
- 1984-10-12🔒Charge registered #7Lender: Midland Bank PLC
- 1984-10-09🔒Charge registered #6Lender: The Secretary of State for Trade & Industry
- 1984-04-02🔒Charge registered #5Lender: C. J. Cope
- 1983-12-19🔒Charge registered #4Lender: J. Cope
- 1983-06-29🔒Charge registered #3Lender: C. J. Cope
- 1981-03-30🔒Charge registered #2Lender: B. L. Cope
- 1962-11-02🔒Charge registered #1Lender: Midland Bank PLC
- 1958-03-27🏢Company incorporatedAs A.J. COPE & SON LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "COPE" — strong identity link between founder and business.
- +Founder age: Director aged approximately 90 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 90 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 68 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Brian Lewis Cope Individual · British · DOB 11/1936 · age 90 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Colin John Cope Individual · British · DOB 03/1947 · age 79 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (7 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 05/04/2013 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 23/12/2010 | — | |
| outstanding | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 12/10/1984 | — | |
| satisfied | The Secretary of State for Trade & Industry | Debenture | 2 properties | 09/10/1984 | 12/09/2002 | |
| satisfied | C. J. Cope / B. L. Cope / T. S. Shucksmiths Retirement Benefit Scheme.as Trustees of the A.J. Cope & Son . Director C. J. Cope / B. L. Cope / T. S. Shucksmiths Retirement Benefit Scheme.as Trustees of the A.J. Cope & Son LTD. Director | Debenture | 1 property | 02/04/1984 | 28/05/2016 | |
| satisfied | J. Cope / T. S. Shucksmith. / B. L. Cope | Debenture | 1 property | 19/12/1983 | 28/05/2016 | |
| satisfied | C. J. Cope / T. S. Shucksmithctors Retirement Benefit Scheme)(As Trustees of the A.J. Cope & Son Dire / B. L. Cope C. J. Cope / T. S. Shucksmithctors Retirement Benefit Scheme)(As Trustees of the A.J. Cope & Son Limited Dire / B. L. Cope | Debenture | 1 property | 29/06/1983 | 28/05/2016 | |
| satisfied | B. L. Cope / T. S. Shucksmithctors Retirement Benefit Scheme.as Trustees of the A. J. Cope & Son Dire / C. J. Cope B. L. Cope / T. S. Shucksmithctors Retirement Benefit Scheme.as Trustees of the A. J. Cope & Son Limited Dire / C. J. Cope | Debenture | 1 property | 30/03/1981 | 28/05/2016 | |
| outstanding | Midland Bank Midland Bank PLC | Mortgage | 1 property | 02/11/1962 | — |